FIRST FINANCIAL BANCORP

First Financial Bancorp. (Nasdaq: FFBC) operates as a mid-sized regional bank holding company headquartered in the Midwest and serving customers through its wholly-owned subsidiary, First Financial Bank, which was founded in 1863. The company maintains a website at www.bankatfirst.com.

First Financial provides comprehensive banking services across commercial lending, real estate lending, consumer financing, and deposit products to individuals and businesses throughout Ohio, Indiana, Kentucky, and Illinois. The bank offers interest-bearing and noninterest-bearing deposit accounts, time deposits, and cash management services alongside a full range of trust and wealth management services. The company operates approximately 2,199 employees across its footprint as of December 31, 2025.

The company's lending operations encompass commercial and industrial loans for working capital and equipment financing, commercial real estate loans secured by mortgage liens, residential real estate loans that often conform to secondary market standards, consumer loans including vehicle financing and home equity lines of credit, and specialized niche lending through subsidiaries. Summit Funding Group provides equipment and lease financing across the United States and Canada. Oak Street Funding lends to the insurance industry, investment advisors, and accounting firms. First Franchise Capital focuses on restaurant franchisee financing. Bannockburn Global Forex, a capital markets division, provides foreign exchange hedging and transactional currency services to small and middle-market clients nationwide across eleven locations. Agile Premium Finance, acquired in February 2024, originates commercial loans for insurance premium payments across all fifty states.

First Financial competes as a community banking model emphasizing local market focus and relationship-based banking against larger super-regional banks, smaller community banks, credit unions, online lenders, and financial technology companies. The company utilizes diversified delivery systems including banking centers, ATMs, internet banking, and telephone-based services to serve its customer base.

In November 2025, First Financial completed the acquisition of Westfield Bancorp, expanding its commercial banking and wealth management presence in Northeast Ohio. The company also completed the acquisition of BankFinancial Corporation effective January 1, 2026, further strengthening its regional footprint and deposit base.